次標準人壽是指預期死亡率高於標準水平，但保險人仍願意按特別條款承保的受保人。
A sub-standard life is a life insured whose expected mortality is above the standard level but whom the insurer is still willing to accept on special terms.
次標準人壽是指預期死亡率高於標準水平，但保險人仍願意按特別條款承保的受保人。
A sub-standard life is a life insured whose expected mortality is above the standard level but whom the insurer is still willing to accept on special terms.